Another way of looking at it would be that you take any bird of whatever mix of feather colours, then erasing the pigment in stripes on each feather. Feathers that are black would be black & white striped; feathers that are red would be red & white striped; feathers that are penciled would have...
Barring causes white bars (areas where pigment is not placed) in the feather. It does not matter whether the feathers contain black or gold pigment. In general, the more dilute the pigment is to begin with (blue vs black, lavender vs black, buff vs red, isabel vs red, etc.) the less obvious...
Red coming in on the shoulders? That is autosomal red, not a lack of melanizers. Unfortunately, not enough research on autosomal red to really know enough about it.